Credit unions continue to offer some of the lowest-interest loans in the US. Unlike banks, they’re not-for-profit and focus on helping members save. If you’re looking for a personal loan, auto loan, or even a home equity loan with a better rate, this list is for you.
1. Navy Federal Credit Union
Navy Federal consistently ranks among the best for loan rates, especially for military families and veterans.
- Personal loan APRs start at 7.49%
- Auto loans as low as 4.54% APR
- No origination or hidden fees
- Excellent customer service and digital tools
2. PenFed Credit Union
PenFed is open to all and offers highly competitive rates on various loan types.
- Personal loan rates start at 7.74% APR
- Offers loans up to $50,000
- Quick funding with online application
- Best for debt consolidation and home improvement
3. Alliant Credit Union
Alliant is a top choice for borrowers who want fast service and low rates.
- Personal loan APRs from 10.99%
- No prepayment penalties
- Funds available as fast as next-day
- Great digital banking experience
4. First Tech Federal Credit Union
Popular among tech professionals, First Tech offers low-interest personal and auto loans.
- Personal loan rates from 8.99% APR
- Auto loans starting at 5.70% APR
- Member-only discounts available
- Flexible repayment terms
5. SchoolsFirst Federal Credit Union
This union serves educational employees and their families, offering some of the lowest rates.
- APRs as low as 7.50% on personal loans
- Competitive home equity loan rates
- Great refinancing options
- Exclusive offers for California educators
6. State Employees’ Credit Union (SECU)
Serving North Carolina residents, SECU provides stable, low-cost lending.
- Fixed-rate personal loans around 8.00% APR
- Mortgage and home equity options
- Low fees and flexible terms
- Strong community presence
7. Digital Federal Credit Union (DCU)
DCU offers nationwide membership and is well-known for auto and personal loan deals.
- Personal loan rates from 8.99% APR
- Auto loans from 5.24% APR
- Offers skip-a-payment flexibility
- Ideal for new borrowers
8. Golden 1 Credit Union
Golden 1 is California-based but accessible to many via select employer groups and nonprofit support.
- Personal loans starting at 8.79% APR
- Up to $50,000 loan amount
- Easy-to-use mobile app and loan calculator
- Friendly customer service
9. America First Credit Union
Great for residents of the western US, America First is known for reliable service and fair rates.
- APRs start at 8.49% for personal loans
- Offers rewards for on-time payments
- Fast approvals
- Member bonuses and loan protection options
10. Credit Union of Southern California (CU SoCal)
CU SoCal provides low-interest loans and personalized lending advice.
- Personal loan rates from 8.25% APR
- No collateral needed for unsecured loans
- Great support for first-time borrowers
- Member-focused lending options
Why Choose a Credit Union for Loans?
- Lower interest rates than most banks
- Fewer fees and more flexible terms
- Member-first service model
- Easier qualification for fair-credit borrowers
Final Thoughts
Credit unions remain one of the smartest ways to secure affordable financing. With their low-interest loans, easy-to-access benefits, and friendly terms, they offer serious value in 2025. Choose the one that matches your location, needs, and lifestyle—and save more on your next loan.
